Mortgage lending in Santa Fe, NM
3,074 mortgages were originated in the Santa Fe, NM area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,074
- Median rate
- 6.625%
- Median lender fees
- $5,747
- Median loan amount
- $315,000
- Median spread over APOR
- 0.295
- Paid discount points
- 40.8%
- Received lender credits
- 23.5%
- Purchases / refinances
- 51.1% / 31.7%
- Conventional / FHA / VA
- 83.6% / 8.9% / 7.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 75.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Santa Fe, NM area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 188 | $4,506 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 176 | $7,229 | 6.499% |
| Waterstone Mortgage Corporation | 176 | $6,675 | 6.875% |
| NUSENDA | 156 | $4,354 | 8.000% |
| Del Norte Credit Union | 156 | $1,817 | 5.750% |
| Sunflower Bank, National Association | 125 | $6,805 | 6.625% |
| State Employees Credit Union | 116 | $2,089 | 7.250% |
| GUILD MORTGAGE COMPANY | 102 | $8,002 | 6.625% |
| Nations Lending Corporation | 78 | $5,204 | 6.875% |
| CROSSCOUNTRY MORTGAGE, INC. | 69 | $13,752 | 6.375% |